Tips to Help Avoid Living Paycheck-to-Paycheck

If you feel like you can’t break the paycheck-to-paycheck cycle, you aren’t alone. GOBankingRates issued a report during the fall of 2017 that says nearly 60% of American workers have less than $1,000 in a savings account. Only one in four has more than $10,000 in savings.

How to Indulge in Guilt-Free Spending

While a budget helps keep your spending in line and tells your money what to do, it should also work to give you a life you enjoy. Keeping up with bills and saving for seasonal expenses and emergencies creates a stable and productive financial future.

5 Ways to Use Your Tax Return

It’s almost that time of year, when many Americans begin looking forward to their tax returns. Now is the perfect time to think about what to do with all that extra cash. Planning will help you make smart choices and set you up for a financially successful and fun 2018.

Types of Savings Accounts: 529 Plans

Many parents find 529 plans intimidating because it’s so hard to predict where a child may attend college, what they’ll decide to study, and how much it will cost.

Managing Seasonal Expenses Painlessly

Expenses that you don’t normally put into a monthly budget can creep up and cause problems with your regular financial routines. They aren’t really emergencies, but meeting these obligations is an important part of life, so coming up with extra money in a hurry can feel like an urgent need.

Budgeting: Using Cash vs. Using A Debit Card

Learning how to use the envelope method of managing money to stay on a budget is worth the little bit of extra effort. People who use this method may be less likely to overspend.

How to Use the Envelope Method to Stay on a Budget

Maintaining a working budget is key to your financial well-being. One way to stick to your predetermined spending goals is to use the “envelope method.” This simple but effective way to monitor spending is a great way to make your budget work for you.

Tips to Help You Win at Budgeting

Your budget is a tool that you design to help you get the most out of the money you have. Since you are in charge, the money making decisions are up to you. Here are some tips that will help you succeed on a budget. 

Budgeting Basics

Budgeting has gotten a bad rap. It’s not about reusing paper towels and stockpiling money under the mattress, and it’s definitely not about skipping fun. Budgeting is about telling your money where to go so you won’t wonder where it all went. But how do you do build a budget? And how do you stick to a budget? Here are a few ideas:  
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